[Form 4] Oak Valley Bancorp Insider Trading Activity

Rhea-AI Filing Summary

Oak Valley Bancorp (OVLY) director Allison Lafferty made three open-market purchases of the issuer's common stock in August 2025. On 08/01/2025 she bought 165 shares at $26.46, increasing her holdings to 6,908 shares. On 08/14/2025 she purchased 312 shares at $27.68 (holdings 7,220) and 211 shares at $27.71 (holdings 7,431). All reported Holdings are direct ownership.

Positive

• Director purchase activity totaling 688 shares indicates personal investment in the company
• All transactions were direct ownership, not derivative or option exercises

Negative

• None.

Insights

Corporate Governance Expert

TL;DR: Director made small, routine open-market purchases totaling 688 shares, showing personal buy activity but not a material stake change.

These Form 4 entries document three direct acquisitions by a director, executed at reported prices and resulting in incremental increases to her direct ownership. The transactions appear to be standard open-market purchases rather than award exercises or derivative transactions. The scale—688 shares acquired across two dates—represents modest incremental ownership relative to a typical bank issuer and does not indicate a control change or large block accumulation.

Securities Analyst

TL;DR: Insider purchases total about $18,849 in cash consideration, reflecting routine insider buying activity.

Summing the reported quantities and prices gives 688 shares purchased for approximately $18,849. This provides a precise dollar measure of the director's cash commitment disclosed on Form 4. While investor signals from insider buys can be positive, these transactions are small in absolute terms and should be viewed as non-material in isolation.

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

LAFFERTY ALLISON

(Last) (First) (Middle)

125 NORTH THIRD AVENUE

(Street)

OAKDALE CA 95361

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
Oak Valley Bancorp [ OVLY ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director		10% Owner
	Officer (give title below)		Other (specify below)

3. Date of Earliest Transaction (Month/Day/Year)
08/01/2025

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	08/01/2025		P		165	A	$26.46	6,908	D
Common Stock	08/14/2025		P		312	A	$27.68	7,220	D
Common Stock	08/14/2025		P		211	A	$27.71	7,431	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

	/s/ Allison Lafferty	08/14/2025
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

What insider transactions did Allison Lafferty report for OVLY in August 2025?

She reported three purchases: 165 shares at $26.46 on 08/01/2025, 312 shares at $27.68 on 08/14/2025, and 211 shares at $27.71 on 08/14/2025.

How many OVLY shares did the director own after the reported transactions?

Reported direct holdings: 6,908 shares after 08/01 purchase; 7,220 and 7,431 shares after the two 08/14 purchases.

What was the total number of shares purchased and approximate cash spent?

Total purchased: 688 shares; Approximate total cash based on reported prices: $18,849.

Were any derivative securities reported on this Form 4?

No. Table II shows no derivative securities; all reported transactions are non-derivative common stock purchases.

Are these transactions filed as individual or joint filings?

Form was filed by one reporting person. The filer checked that the form is filed by one reporting person.